We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 71155 results
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Decision Reference DRN3033590
29 May 2015 Legal & General Partnership Services Limited UpheldBanking and creditMr and Mrs R complain that Legal & General Partnership Services Limited mis-sold a mortgage to them.backgroundLegal & General recommended a 15 year repayment mortgage in 2006. It also advised them to consolidate an unsecured loan. Mr and Mrs R say the adv... (2 pages)View decision -
Decision Reference DRN-1557418
15 Jun 2020 Vanquis Bank Limited Not upheldBanking and PaymentsThe complaint Miss H believes Vanquis Bank Limited lent to her irresponsibly and shouldn't have accepted her credit card application. She also thinks it shouldn't have later increased her credit limit and shouldn't charge interest on the credit card account while sh... (3 pages)View decision -
Decision Reference DRN-3241642
26 Apr 2022 The Royal Bank of Scotland Plc Not upheldBanking and PaymentsDRN-3241642 The complaint Mr B complains that The Royal Bank of Scotland Plc (RBS) wrongly classified his credit card account as ‘persistent debt’, didn’t follow its stated procedure and suggested undesirable and impractical repayment options. What happened Mr B has a credit card account w... (3 pages)View decision -
Decision Reference DRN-3113320
20 Oct 2021 Credit Resource Solutions Ltd UpheldConsumer CreditDRN-3113320 The complaint Mr W complaints Credit Resource Solutions Ltd (CRS) haven’t treated him fairly when collecting a debt of his. What happened I issued my provisional decision setting out what’d happened, and wht I thought was a fair resolution to that. I’ve copied the relevant elem... (7 pages)View decision -
Decision Reference DRN8310513
16 Nov 2015 Lloyds Bank PLC UpheldBanking and creditMr and Mrs R complain that Lloyds Bank plc added interest to a debt they were repaying when they were having financial problems. They also complain of poor customer service. They’d like the interest they paid from 2009 to 2011 refunded.backgroundMr and Mrs R say a... (2 pages)View decision -
Decision Reference DRN9857314
9 Dec 2013 Bank of Scotland Plc Not upheldBanking and creditMr R is unhappy that Bank of Scotland plc (trading as Halifax) is pursuing him for an outstanding debt on his credit card.backgroundMr R entered into an agreement with Halifax in August 2011 to pay £150 per month for 12 months to his credit card account. Halifax agreed to suspend charge... (2 pages)View decision -
Decision Reference DRN-2264584
14 May 2021 Santander UK Plc Not upheldInsuranceDRN-2264584 The complaint Mr M has complained about the way Santander UK PLC (“Santander”) has used the compensation it offered to settle his complaint about the mis-sale of a payment protection insurance (“PPI”) policy taken out with a credit card. What happened Mr M opened a credit card ... (3 pages)View decision -
Decision Reference DRN0661469
4 Oct 2017 Kapama Limited Not upheldBanking and creditMiss C’s unhappy that Kapama Limited is chasing her for a debt it says is outstanding. backgroundMiss C took out a loan and a few days before it was to be repaid she entered into a debt management plan. Since then the debt has been sold to Kapama and its chasing... (2 pages)View decision -
Decision Reference DRN-2816488
7 Jun 2021 Lantern Debt Recovery Services Ltd Not upheldConsumer CreditDRN-2816488 The complaint Mr D complains that Lantern Debt Recovery Services Ltd (Lantern) gave him misleading information while discussing settlements for a debt it owns. What happened In August 2019 Lantern bought a debt in Mr D’s name from the original lender. In January 2021 Mr D conta... (2 pages)View decision -
Decision Reference DRN7824805
19 Jun 2014 Microcredit Limited UpheldBanking and creditMr V and his representative complain that Microcredit Limited (trading as MiniCredit) should not have granted him a loan, it was unaffordable and about how it has treated him when experiencing mental health issues and financial difficulties.backgroundMr V applied online to MiniCredit fo... (3 pages)View decision
